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The Patient Protection and Affordable Care Act (PPACA) was signed into law by President Barack Obama on March 23, 2010. Health care reforms mandated
by this law will ultimately expand coverage to millions of Americans and will require a large number of changes to the insurance industry. These changes will affect all Mississippians in one way or another.

The Mississippi Insurance Department and other Mississippi state agencies are diligently analyzing the many components and implementation timelines for the benefits mandated by PPACA. As many details are not yet available, we ask that you check this website periodically for updated information.

Mississippi Health Insurance Rate Review Website

The information and resources found on this site are aimed at helping you better understand health insurance rates and the health insurance rate review process. Click Here to view the site.
Kaiser Family Foundation video - "Get Ready For Obamacare: Changes Coming Your Way Under the ACA"Click HERE to watch.

Requires states to have temporary high-risk pools or mechanism for uninsured people with pre-existing conditions

September 2010

Prohibits insurers from rescinding coverage after a sickness, imposing life time caps, and denying coverage to children with pre-existing conditions

Allows parents to keep children on their policies until age 26

2011

Requires medical loss ratios of 80 and 85 percent, respectively, for individual/small group and large group plans

Begins a voluntary Long Term Care (LTC) program financed through payroll deductions

2012

Imposes a new annual fee on drug manufacturers

2013

Raises the Medicare payroll tax for high-income workers and imposes a new tax on medical device sales

2014

Requires states to implement insurance exchanges for individual/small business markets (federal funding to states is available from 3/2011 to 1/1/2015

Prohibits insurers from denying coverage based on pre-existing conditions and imposes a new annual fee on health insurers

Imposes a mandate that individuals acquire health insurance coverage or pay, by 2016, the greater of $695 or 2.5 percent of income

Imposes mandates on employers with 50+ workers: offer coverage or by 2014 pay $2000/FT worker (excluding the first 30); if offer unaffordable coverage, pay $3000/employee receiving taxpayer assistance to buy it or a total of $2000/employee, whichever is more (Employers of 50 or fewer workers are exempt.)

Expands Medicaid to those making under 133 percent of the Federal Poverty Level